Home >Documents >TD Mutual Funds TD Investment Services

TD Mutual Funds TD Investment Services

Date post:12-Feb-2017
Category:
View:254 times
Download:8 times
Share this document with a friend
Transcript:
  • Account Application and Customer Investor ProfileBoth documents must be completed in order to open a TD e-Series Funds Account. It will help you determine your InvestorProfile and the optimal asset mix for your portfolio.When completing the Customer Investor Profile questionnaire, please ensure that, for questions 6 to 11, you circle the lettercorresponding to your answer in addition to recording your score.if any changes have been made to the application please ensure that your initials are placed beside the change.

    Understanding and Consent FormA signed Understanding and Consent Form is mandatory and provides your acknowledgement of the terms and conditions forthe TD e-Series Funds Account.

    Please provide your TD Canada Trust account number or TD Mutual Funds Account number in the space provided.

    Third Party Statement (if applicable)The Third Party Statement must only be completed if you answered "YES" to the question found in section 1 of the accountapplication "Will someone other than the account holder(s) be making frequent deposits to or receive financial benefit from theaccount?" (Other than the account holder or Beneficiary named on the account application).

    TD Canada Trust Tax Residency Self-Certification - Individual formThis form must be completed to collect residency details for tax purposes when opening a non-registered mutual fund account.Each account holder (including joint account holders, as applicable) need to complete their own self-certification formconfirming tax residency. Information provided on this form will be used to comply with Canadian tax regulatory requirements.

    In order to avoid delay please complete correctly, sign and initial all applicable areas. Forward your completed documents to:TD e-Series Funds AdministrationLiberty Centre3500 Steeles Avenue EastTower 1, Level 1Markham, OntarioL3R 0X1

    All applications are subject to approval by TD Investment Services Inc.

    If you need assistance at any point in the application process simply visit www.tdcanadatrust.com/tdeseriesfunds and click on the "ContactUs" link on the right navigation bar.

    Once we have received your completed and signed application, your account can generally be opened within two business days. As soon asyour application has been processed, you will receive detailed confirmation via email. This will include information on how to access yournew account.

    This application can be used by existing TD Canada Trust customers to open Retirement Savings Plans or Personal Non-Registeredaccounts and must be used for opening new TD e-series Mutual Fund Accounts only. For converting an existing TD Mutual FundsAccount to a TD e-series Funds account, please use the Conversion form. Any changes made to the application must be initialed atthe point of change. For all other Mutual Fund account type needs including Tax-Free Savings Accounts, please visit your local TDCanada Trust branch.

    TD Investment Services Inc.TD e-Series Funds

    Checklist for Opening a TD e-Series Funds Account

    572074 (0817)

    Steps to complete this package:

    TD Mutual Funds

  • TD Mutual Funds Account ___________________

    TD Canada Trust Bank Account ________ - ____________

    Yes (Please complete the ThirdParty Statement Form # 592018)

    Will someone other than the account holder(s) be making frequent deposits to or receive financial benefit from the account?

    Personal (Non-Registered)Joint Non-Registered (Please ensure that Joint Applicant completes sections 2, 6, and 7)

    YesNo

    No

    Spousal

    1. Please Tell Us About YourselfMr. Mrs. Miss OtherMs. Male

    English(if a Quebec resident see Section 7)

    Name

    Telephone home ( )E-mail address (mandatory for TD e-Series Funds Account)

    Telephone business ( )

    MANDATORYMANDATORY

    MANDATORYSocial Insurance No. Date of Birth Note: Applicant must beof legal Age of Majority.

    Federal Government requires your Social Insurance Number (SIN). You must by law provide us with your SINso that we may supply the Canada Revenue Agency with reports of income earned on your investments.

    Language of Correspondence

    French

    Note: TDIS accounts are only available toCanadian residents

    Female

    Given Name Initial(s) Family Name

    Choose only one:

    Please complete if mailing address is different from above:

    2. For a Joint Non-Registered TD e-Series Funds Account, Please Complete the FollowingYou would like a Joint Account with right of survivorship with (Right of Survivorship not applicable to Quebec residents):For Quebec residents, choose who you are joint with Spouse Non-Spouse

    who is your Social Insurance No. Date of Birth Note: Joint Applicant mustbe of legal Age of Majority.Relationship

    Mr. Mrs. Miss OtherMs.Given Name Initial(s) Family Name

    Yr Mo Day

    MANDATORYYr Mo Day

    TD Mutual Funds Account #Branch No.Mutual Funds Representative Name

    Branch Use Only

    Employer Type of Business

    Occupation ___________________________________________________________________________________________________________________________________

    Employer's Address ___________________________________________________________________________________________________________________________

    Employment Start Date

    Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities,your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.

    Have you borrowed money in order to make an investment in this account?

    I/We confirm having read this disclosure. (please initial)

    Yes No

    Applicant Spousal/Joint Applicant

    Rep. Code

    TD e-Series Funds Account Application

    Retirement Savings Plan (RSP)

    PersonalAnnual Income Under $25,000 $25,000 - $49,999 $50,000 - $74,999 $75,000 - $125,000 Over $125,000

    You hereby confirm that the units in the Funds and Portfolios are to be owned by each of you as joint tenants and not as tenants in common, and we are hereby authorized totake instructions or directions from either of you alone with respect to the Plan. A Joint Plan with right of survivorship is not available in Quebec. You, the Joint Subscriber,hereby confirm that the time frame, objective and risk tolerance indicated in the Customer Investor Profile for the account are in agreement with your own personalobjectives.InvestmentKnowledge Limited Average Above Average Sophisticated

    Portfolio Value Under $25,000 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $499,999 $500,000 - $999,999 Over $1,000,000

    Personal Net WorthWhat are your:Liquid Assets $________________+ Fixed Assets $________________= Total Assets $________________- Total Liabilities $________________= Estimated Personal Net Worth $________________

    Age

    ________ yrs

    TD Investment Services Inc.

    Month/Year

    XX

    CityCountry Number of Dependents

    AddressProvince Postal Code

    CountryProvince Postal CodePermanent Address City

    Number of Dependents

    1

    Purpose of Account (Choose one of the following): Retirement Savings Vacation Travel Expenses Investment Savings School ExpensesSpecial Purchase (auto/home) Day to Day Living Expenses or Trust

    City _________________________________ Province _________________________________ Country _________________________________ Postal Code ________

    Mailing address ______________________________________________________________________________________________________________________________

  • 4. Banking InformationPlease include your TD Canada Trust bank account information below. If your Bank account is NOT with TD Canada Trust, a void cheque must accompany theapplication.

    b) Designation of Beneficiary (not applicable to Quebec residence)

    Name

    Note: Your designation of beneficiary is subject to applicable law. Beneficiary designation for an applicant who is a resident of Quebec can only be made by way of a willor marriage contract. You may wish to discuss this designation with your legal advisor. Your designation of a beneficiary by means of a designation form will not berevoked or changed automatically by any future marriage or divorce. Should you wish to change your beneficiary in the event of a future marriage or divorce, you will haveto do so by means of a new designation.

    The space below may be used to designate a beneficiary for your Plan in the event of your death.

    Given Name Initial(s) Family Name Relationship

    3. Please Complete this Section for Your Registered Plana) For a Spousal RSP

    Your spouse or common-law partner, whose name and personal data appear below, will be claiming these RSP contributions as a deduction.

    Social Insurance No. Date of Birth

    Mr. Mrs. Miss Ms.

    Non-Registered accounts only (If not completed, investment income will be automatically reinvested.)Please select one: Investment income from dividends and interest will be automatically reinvested in additional units.

    Investment income should be directed to my bank account.Investment income should be sent by cheque to the address noted in Section 1.

    Yr Mo Day

    OtherGiven Name Initial(s) Family Name

    If you are applying to open a Joint Non-Registered TD Mutual Funds Account, the account(s) must be held in the name of each Joint Applicant.

    Canadian $: Transit # ________ Institution # __________________ Account # _______________________

    Account Holder's Name(s)

    US $: Transit # ________ Institution # __________________ Account # _______________________

    Account Holder's Name(s)

    You acknowledge that the intended use of your account is for investing purposes.

    6. Important Customer Information

    Applicant Yes Joint Applicant Yes

    TD Investment Services Inc. ("TDIS") is a separate company from and a wholly-owned subsidiary of The Toronto-Dominion Bank ("TDBank").Mutual fund investments fluctuate in value and are not insured by the Canada Deposit Insurance Corporation or the Rgie del'assurance-dpts du Qubec and are not guaranteed by The Toronto-Dominion Bank. TDIS is not responsible for activities itsrepresentatives conduct for TD Bank. TD Bank is not responsible for activities its employees conduct for TDIS.

    5. Consent to the Collection, Use and/or Disclosure of Your InformationYou have read the Consent to the Collection, Use and/or Disclosure ofYour Information and agree that:

    We may share information within the TD Bank Group

    We may not share information within TD Bank Group except as reasonablynecessary to service your account.

    You agree that, at the time you begin a relationship with us and during the course ofour relationship, we may collect, use and disclose your Information as described inthe Privacy Agreement (located in the TD Investment Services Inc. Agreement andDisclosure Document) and on td.com, including for, but not limited to, the purposesof identifying you, providing ongoing service, understanding your financial needs,protecting us both from fraud and error, complying with legal and regulatoryrequirements, and marketing products and services to you by telephone, fax, andautomatic dialing-announcing device, at the numbers you have provided us, or byinternet, mail, email or other methods.

    You may obtain our privacy code - "Protecting Your Privacy" - or review youroptions for refusing or withdrawing this consent, including your option not to becontacted about offers of products or services, by contacting your branch or callingus at 1-866-222-3456.

    You have read and hereby acknowledge the Important Customer Information

    Which of the following best describes the type of investments you currently own, or have owned in the past? Little or no investments Mostly GICs or Term Deposits Mostly bonds or income mutual funds A mix of money market, bond and equity investments and/or mutual funds Mostly stocks and/or equity mutual funds

    TD Asset Management Inc. ("TDAM") pays TDIS a trailing commission for as long as you hold units of TD Mutual Funds. It is for the services and advice provided to you.

    Employer Type of Business

    Employer's Address ___________________________________________________________________________________________________________________________

    Employment Start DateMonth/Year

    City _________________________________ Province _________________________________ Country _________________________________ Postal Code ________Occupation ___________________________________________________________________________________________________________________________________

    Purpose of Account (Choose one of the following): Retirement Savings Vacation Travel Expenses Investment Savings School ExpensesSpecial Purchase (auto/home) Day to Day Living Expenses or Trust

  • 7. Application, Authorization, Disclosure, and Registration of Your Retirement Savings PlanUnless otherwise indicated, throughout the application and in our other documents,the words "you", "your" and "yours" mean the applicant (and any co-applicant orother individuals with authority over the account). The words "we", "us" and "our"mean TD Investment Services Inc. (TDIS) and/or TD Bank Group.*

    where the account is opened among two or more persons we are hereby authorized totake orders from any persons together or alone.

    You hereby acknowledge that we will send you the TDIS Agreement and DisclosureDocument within two (2) business days of acceptance of first contribution whichincludes: Customer Relationship Agreement, Risk of Borrowing to Invest, ClosingAccounts, Commitment to Privacy and Complaint Handling Procedures.You understand that Mutual Funds subscriptions are made on the terms andconditions described in the prospectus and that it is subject to approval by TD AssetManagement Inc. (TDAM). TDAM reserves the right to accept or reject any purchaseorder within one (1) business day of receipt of the order.

    Most TD Mutual Funds charge a short term trading fee within a certain number ofdays after purchase. Please refer to the applicable Fund Facts Document or ask aMutual Funds Representative for applicability to the funds you are purchasing.* The TD Bank Group means The Toronto-Dominion Bank and its

    affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.

    You acknowledge that for our mutual protection, TDIS will record all telephone callsby which your orders are placed.If you are applying to open an "in-trust" account, you agree that:you are liable to us for all liabilities and obligations respecting the account in yourpersonal capacity and not as a trustee, agent or otherwise;we have no obligation to observe the terms of any trust, whether written, verbal,implied, constructive or otherwise, and you are solely responsible for ensuring anyrestrictions of the trust and any applicable law are adhered to;you will indemnify us against any loss, claim, damages, liability and expenses of anykind whatsoever arising out of operation of the account;you have not relied upon us for any legal or tax advice and it is your soleresponsibility to obtain appropriate professional advice to ensure your needs andobjectives are satisfied;

    Initial

    Request to register a TD Mutual Funds Retirement Savings PlanTo The Canada Trust Company (the "Trustee"):You hereby request that the trustee apply to register your Plan as a RetirementSavings Plan (the Plan) under the Income Tax Act (Canada). You understand that allreferences in the Declaration of Trust to the application or the Plan are to be read andunderstood as references to this application. You agree on behalf of yourself, yourexecutors and administrators to be bound by the terms of the Plan. All contributionsto the Plan are to be invested by the Trustee as directed by you in accordance with theterms of the Plan and held in your account subject to the terms of the Plan. Youunderstand that all amounts received by you or your spouse or common-law partnerfrom this Plan are taxable under the provisions of the Income Tax Act (Canada).

    If you are applying to open a Joint Non Registered Account with Right ofSurvivorship (Joint Account with right of survivorship not available in Quebec):

    You declare that your interests in the joint account are as joint tenants with full rightsof survivorship and not as tenants-in-common. In the event of your death, the entirebeneficial interest in the joint account shall be vested in the surviving joint accountholder(s) on the same terms and conditions as held, without in any way releasing thedecedent's estate from the joint and several liability of the decedent account holder.We are hereby authorized to take to instructions or directions from either of you alone

    Signature of Applicant/Annuitant Date

    Signature of Contributing Spouse or common-law partner(for spousal RSP only)

    Date

    Signature of Joint Applicant (if applicable)

    X

    Date

    X

    X

    For Qubec Residents Only. Language Preference Agreement (Qubec residents who have requested English language only).If you are a Qubec resident, you agree with the following statement: It is my express wish that this application and any related documents be in English.J'ai exig que la prsente formule et tous les documents s'y rattachent soient rdigs en anglais.

    Branch Use Only

    Mutual Funds Representative Signature

    Branch Telephone #

    Branch Manager Signature Date: Branch Manager Rep. Code

    Rep. Code

    Customer Investor Profile (Form # 521894) - MANDATORYTransaction Form (Form # 595738) - For Lump Sum Purchases and PPP, please complete this form.For transfers into TD Mutual Funds accounts (If applicable, please attach the appropriate transfer forms and a copy of a most recent statement.)

    Checklist:

    Use of Information (Please ensure CustomerLink is updated.)

    TD Mutual Funds and TD Managed Assets Program are managed by TD Asset management Inc. and are distributed by TD Investment Services Inc.("TDIS"), a wholly-owned subsidiary of The Toronto-Dominion Bank. Commissions, trailing commissions, management fees and expenses all may beassociated with mutual fund investments. Please read the prospectus, which contains detailed investment information and is available from your dealer,before investing. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are notguaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value perunit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated.

    You, the Joint Applicant, hereby confirm that you are in agreement with the timeframe, objectives and risk tolerance indicated in the Customer Investor Profile for theaccount.

    Your direction to open this joint account shall constitute your irrevocable direction tous to pay the balance of the account to the surviving joint account holder(s) on yourdeath on request without making any further inquiries as to any claims by any otherparty, including your heirs, executors, estate trustees, administrators, assigns of thedecedent account holder or any other third party and without any recognition of suchclaims.

    X

    By signing this application form, I agree to the terms set out in the TDIS AccountAgreement and that all information I have provided to TD Investment Services(TDIS) respecting this account or plan is accurate and complete, including anyapplicable information I have provided respecting any individual authorized totransact on this account. TDIS reserves the right to request updated customerinformation and/or additional supporting information at any time.

    Mutual Funds Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust.1

  • Investor Profile QuestionnaireStep 1

    The following questions will help us understand your financial picture and goals. If you have more than one goal such as retirement, your childrens education or a new home complete a separate questionnaire for each goal.

    The statements on this questionnaire that appear in blue are intended to help us fully understand your answers to some of the questions below. If one or more of these statements applies to you, please follow the directions provided. Please ensure that, for questions 6 to 11, you circle the number corresponding to your answer in addition to recording your score.

    How much money do you want to invest today? Lump Sum $ Pre-Authorized Purchase Plan (PPP) $

    A. GENERAL QUESTIONSThe following questions will provide us with important information about your investment knowledge and current financial situation, which will ensure that the recommendations we make are in line with your financial circumstances.

    1. I describe my understanding about investing as:

    2. What is the approximate value of all investment accounts, includinginvestments held at other institutions?

    R Under $25,000 q $100,000 - $499,999R $25,000 - $49,999 q $500,000 - $999,999R $50,000 - $99,999 q Over $1,000,000

    3. Your Personal Net Worth is calculated by adding your estimated LiquidAssets (i.e. Investments, Cash) and estimated Fixed Assets (i.e. RealEstate), minus your estimated Total Liabilities (i.e. Mortgage, Car Loans)

    What are your:

    Liquid Assets $

    + Fixed Assets $

    = Total Assets $

    - Total Liabilities $

    = Estimated Personal Net Worth $

    If your net worth is $0 or a negative amount, please select the option that best reflects your situation

    q I am starting to invest and have a long-term time horizon

    q I have a high level of income and the ability to withstand a potential loss

    q I can manage a decline in the value of my investments because

    q $75,000 - $125,000q Over $125,000

    4. What is your personal annual income?

    yrs

    If you are over age 65 and indicated that your annual income is under $25,000, please select the option that reflects your situation

    q I have a high net worth of liquid assets

    q I intend to use these funds as part of my estate

    q This account represents a small part of my portfolio

    q Other

    B. PORTFOLIO OBJECTIVES

    The following questions will help define your investment goal forthis particular account. This may include your desire for preservation of capital, need for investment income or interest in growing your investment.

    If you selected answer 6a, you will be assigned a Safety Profile. Please complete the questionnaire and move directly to Step 3.

    7. How important is it for you to keep a portion of your account inrelatively safe investments with minimal fluctuations?

    a. Of critical importance. . . . . . . . . . . . . . . . . . . . . . .0 Pointsb. Very important. . . . . . . . . . . . . . . . . . . . . . . . . . . .0 Pointsc. Important . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Pointsd. Somewhat important. . . . . . . . . . . . . . . . . . . . . . .4 Pointse. Unimportant . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 Points

    If you answered question 6d or e AND question 7a or b, there is a conflict in your objectives. Please revise your answers or select one of the following options

    q I understand that a growth portfolio might not include low-risk investments, and that low-risk investments are of less importance to me than the overall investment objective for this account

    q Other

    (continued on the next page)

    R Limited: I dont understand much about investing.R Average: I understand the difference between GICs, bonds and stocks.R Above Average: I understand how capital markets work and the

    different investments available.

    R Sophisticated: I have a strong understanding of investing. I understand the risk/return trade-offs associated with investing in both Canadian and foreign markets.

    6. Which of the following best describes your investment objectivefor this account?

    a.

    b.

    c. I may have some need for income from my investment,but am also interested in growing it . . . . . . . .4 Points

    d. I would like growth and have minimal incomeneeds at this time . . . . . . . . . . . . . . . . . . . . . . . . .8 Points

    e. I am only interested in maximizing growth . . . 12 Points

    I do not need to grow my investment, but want to preserve itsvalue and be able to access it on short notice . . Safety Profile

    My only need is to generate income while minimizing fluctuations in the value of my investments . . . 2 Points

    C. TIME HORIZON

    Your Time Horizon is the length of time required to achieve your investment goal. This can be broken down in two stages:

    I. Years to save towards your goalII. Years to spend (withdrawal)

    8. (a) How many years do you expect to be saving before beginningto withdraw from this account?

    a. I am no longer saving. . . . . . . . . . . . . . . . . . . . . . . 1 Pointb. Less than 3 years . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Pointc. Between 3 and 5 years . . . . . . . . . . . . . . . . . . . . . 3 Pointsd. Between 6 and 10 years . . . . . . . . . . . . . . . . . . . . 7 Points e. Over 10 years. . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Points

    R Under $25,000R $25,000 - $49,999R $50,000 - $74,999

    5. What is your current age?

  • Thank you for completing this questionnaire. Your answers will be carefully reviewed by a Mutual Funds Representative and may require further clarification to help us better determine your Investor Profile.

    Customer Signature

    Date

    Customer Name

    Joint Applicant Initials Mutual Funds Account

    Mutual Funds Representative Signature

    Mutual Funds Representative Name

    Rep. # Date

    Branch Manager Signature

    Date

    B. PORTFOLIO OBJECTIVES

    C. TIME HORIZON

    D. RISK TOLERANCE

    TOTAL POINT SCORES (Add scores for each section B, C and D)

    D. RISK TOLERANCE

    There is always some degree of uncertainty (investment risk) associatedwith the growth that may be generated over any future period of time. Investment risk may be defined as the potential variation from the expected rate of return over a given period. The higher the return you are seeking, the more risk you must be prepared to assume.

    If you selected answer 10a AND 11a, you will be assigned a Safety Profile. Please complete the questionnaire and move directly to Step 3.

    If you selected answer 10a, b or c and 11a, b, c or d, we dont have a clear enough picture of your risk tolerance to recommend an Investor Profile. Please revise your answer(s) or speak with a Mutual Funds Representative.

    If you scored 16 or more in the Risk Tolerance section and: a) Answered Limited or Average in question 1 AND answered d or e in question 6, or b) Are over age 65 AND answered d or e in question 6, please revise your answer(s) or check below.

    q I understand that investments fluctuate in value and it is possible to lose some or all of my investment. I am comfortable remaining invested during market fluctuations.

    C. TIME HORIZON (contd)

    q I have a long-term horizon and do not require the funds in the short-or mid-term

    q I intend to use these funds as part of my estate

    q Other

    Investor Profile Questionnaire contdStep 1 contd

    (b) After reaching your saving goal, indicate the approximate numberof years you plan to make withdrawals:

    a. I dont plan to withdraw . . . . . . . . . . . . . . . . . . . . 8 Pointsb. Less than 3 years . . . . . . . . . . . . . . . . . . . . . . . . . . 0 Pointsc. Between 3 and 5 years . . . . . . . . . . . . . . . . . . . . 1 Pointd. Between 6 and 10 years . . . . . . . . . . . . . . . . . . . 4 Pointse. More than 10 years . . . . . . . . . . . . . . . . . . . . . . . . 8 Points

    If you are over 65 and answered d or e in both questions 8(a) AND 8(b), please select the option that reflects your situation

    9. Which of the following best describes the type of investments youcurrently own, or have owned in the past?

    a. This is my first time investing. . . . . . . . . . . . . . . . . . 0 Pointsb. I own or have owned mostly GICs and Term Deposits 0 Pointsc. I own or have owned mostly bonds or other fixed

    income investments . . . . . . . . . . . . . . . . . . . . . . . 2 Points I own or have owned a mixture of GICs, Term Deposits and/or mutual funds. . . . . . . . . . . . . . . . .3 Points

    e. I own or have owned mostly stocks or equity mutual funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Points

    10. Which of the following hypothetical portfolios would you feelcomfortable holding?

    d.

    Note: These portfolios assume no withdrawals and that all income is reinvested

    Portfolio A: Little fluctuations and lowest returnpotential after 10 years. . . . . . . . . . . . . . . . . . . . . . . . 0 PointsPortfolio B: More return fluctuations, but higher return potential after 10 years. . . . . . . . . . . . . . . . . . 4 PointsPortfolio C: Significant return fluctuations and mayinclude periods of significant decreases in portfoliovalue, but greatest return potential after 10 years. . . . 8 Points

    11. Investments with higher returns typically involve greater risk.

    a. Portfolio A: May rise in value between $10,140and $10,200 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Point

    b. Portfolio B: May rise in value to a maximum of$10,800 or drop to a low of $9,400. . . . . . . . . . . 4 Points

    c. Portfolio C: May rise in value to a maximum of$11,500 or drop to a low of $8,500. . . . . . . . . . . 6 Points

    d. Portfolio D: May rise in value to a maximum of$12,500 or drop to a low of $7,500. . . . . . . . . . . 8 Points

    The following four hypothetical portfolios started the year with$10,000. Which portfolio outcome would you feel comfortablewith at the end of the year?

  • Use your answers to find the Investor Profile that's right for you. The example below shows you how.

    Enter your total point scores from Step 1

    PORTFOLIO OBJECTIVES

    TIME HORIZON

    RISK TOLERANCE

    PORTFOLIO OBJECTIVES Point Score 1 - 7

    TIME HORIZON Point Score

    1 2 3-6 7-10 11-14 15-18

    RISK

    TO

    LERA

    NCE

    Poi

    nt S

    core

    1

    2-3 2

    4-5

    6-7 3

    8-9 1

    10- 11 4

    12- 13

    14- 15

    16- 17 5

    18- 20

    PORTFOLIO OBJECTIVES Point Score 8 - 14

    TIME HORIZON Point Score

    1 2 3-6 7-10 11-14 15-18

    RISK

    TO

    LERA

    NCE

    Poi

    nt S

    core

    1

    Inconsistent Profile

    2-3

    4-5

    6-7 3

    8-9 1

    10- 11 4

    12- 13

    14- 15 5

    16- 17

    18- 20 6

    PORTFOLIO OBJECTIVES Point Score 15 - 20

    TIME HORIZON Point Score

    1 2 3-6 7-10 11-14 15-18

    RISK

    TO

    LERA

    NCE

    Poi

    nt S

    core

    1

    Inconsistent Profile

    2-3

    4-5

    6-7

    8-9 1 4

    10- 11

    12- 13 5

    14- 15

    16- 17 6

    18- 20 7

    PORTFOLIO OBJECTIVES Point Score 8 - 14

    TIME HORIZON Point Score

    1 2 3-6 7-10 11-14 15-18

    RIS

    K T

    OLE

    RAN

    CE

    Poin

    t Sc

    ore

    1

    Inconsistent Profile

    2-3

    4-5

    6-7 3

    8-9 1 3

    10- 11 4

    12- 13

    14- 15 5

    16- 17

    18- 20 6

    5. An Inconsistent Profile (IP) resultswhen the Risk Tolerance answersyou provided are inconsistentwith the Portfolio Objectiveanswers. You may wish to revisitthe questions in these twosections to modify potentiallyconflicting answers. If a review ofthese questions still results in anInconsistent Profile, then you willbe assigned a Safety Profile.Please speak with your MutualFunds Representative.

    3. Plot your Risk ToleranceOur example Risk Tolerancepoint score is 8.

    2. Plot your Time HorizonOur example Time Horizonpoint score is 10.

    1. Choose the right tableOur example Investor has aPortfolio Objective score of 12,so they chose the middle table.

    4. Your Investor Profile iswhere the lines meet.The example Risk Toleranceand Time Horizon linescross here and this colourmatches the BalancedIncome Investor Profile.

    Example12 Portfolio Objectives

    10 Time Horizon

    8 Risk Tolerance

    Find Your Investor ProfileStep 2

  • Match your colour from the previous page to the colour bars below to find your Investor Profile and recommended investment options. TD Comfort Portfolios2, are for investors who want a convenient all-in-one diversified and professionally managed solution. TD Mutual Funds Single Fund Solutions are for investors who want to buy individual mutual funds and build their own portfolio.

    TD Comfort Portfolios The minimum lump-sum investment in any TD Comfort Portfolio is $100 and the minimum Pre-Authorized Purchase Plan amount for any TD Comfort Portfolio is $25.

    No changes are allowed to the fund selection or the percentage of the portfolio each fund represents.

    TD Mutual Funds Single Fund Solutions The minimum lump-sum investment in any individual fund is $100 and the minimum Pre-Authorized Purchase Plan amount for any individual fund is $25.

    1 Safety

    Description:Your tolerance for portfolio volatility and loss of capital is very low. A portfolio with this objective will seek to earn income and at the same time preserve capital by investing only in conservative fixed income securities. Your investment time horizon is up to three (3) years.

    Investor ProfileInvestment Objective: Risk Level: Safety: 100% Very Low

    TD Comfort PortfolioThere is no TD Comfort Portfolio for this Investor Profile. Your needs are best met by the Single Fund Solution shown to the right.

    TD Mutual Funds Single Fund Solution

    2 Conservative Income

    Description:Your tolerance for portfolio volatility and loss of capital is low. You are willing to tolerate some short-term fluctuations in your investment returns with small losses of capital in exchange for modest potential capital appreciation. A portfolio with this objective will seek to provide some income, with capital appreciation as a secondary objective. Your investment time horizon is three (3) tofive (5) years.

    Risk Level: Low

    Investor ProfileInvestment Objective: Income: 85% Growth: 15%

    TD Mutual Funds Single Fund Solution

    Safety 100%

    TD Canadian Bond Fund 100%

    TD Canadian Money Market Fund 100%

    Growth 15%

    Income 85%

    Investment RecommendationsStep 3

    TD Comfort Conservative Income Portfolio

    Epoch Global Equity 3.75%TD Global Low Volatility Fund 3. 75%TD Canadian V alue Fund 3 .75%TD Canadian Blue Chip Equity Fund 3 .75%

    TD Canadian Core Plus Bond Fund 47.5%

    TD Short Term Bond Fund 25%

    TD Global Conservative Opportunities Fund 12.5%

  • 5 Balanced Growth

    Description:Your tolerance for portfolio volatility and loss of capital is medium-to-high. You are willing to tolerate some fluctuations in your investment returns and moderate losses of capital, but you prefer a stable pattern of growth over the long-term. A portfolio with this objective will seek to provide long-term capital growth and modest income. Your investment time horizon is five (5) years or longer.

    Investor ProfileInvestment Objective: Risk Level: Income: 40% Moderate-High Growth: 60%

    TD Mutual Funds Single Fund Solution

    4 Balanced

    Description:Your tolerance for portfolio volatility and loss of capital is medium. You are willing to tolerate some fluctuations in your investment returns and moderate losses of capital, but you are looking for a stable pattern of growth over the long-term. A portfolio with this objective will seek to provide a combination of modest income and long-term capital growth. Your investment time horizon isfive (5) years or longer.

    Risk Level: Moderate

    Investor ProfileInvestment Objective: Income: 55% Growth: 45%

    TD Mutual Funds Single Fund Solution

    3 Balanced Income

    Description:Your tolerance for portfolio volatility and loss of capital is low-to-medium. You are willing to tolerate short-term fluctuations in your investment returns and small-to-moderate losses of capital in exchange for potential capital appreciation. A portfolio with this objectivewill seek to provide a moderate level of income with some potential for capital appreciation. Your investment time horizon is three (3) tofive (5) years.

    Risk Level: Low-Moderate

    Investor ProfileInvestment Objective: Income: 70% Growth: 30%

    TD Mutual Funds Single Fund Solution

    Growth 30%

    Income 70%

    Growth 45%

    Income 55%

    Growth 60%

    Income 40%

    Investment Recommendations contdStep 3 contd

    TD Canadian Bond Fund 100%

    TD Monthly Income Fund 100%

    TD Dividend Income Fund 100%

    TD Canadian Equity Fund 10%

    TD Dividend Growth Fund 10%

    TD Comfort Balanced Growth Portfolio

    TD Canadian Core Plus Bond Fund 40%

    TD Global Low Volatility Fund 15%

    Epoch Global Equity 15%

    TD Canadian Value Fund 10%

    TD Comfort Balanced Income PortfolioTD Global Conservative Opportunities Fund 12.5%TD Short Term Bond Fund 12.5%TD Global Low Volatility Fund 7.5%Epoch Global Equity 7.5%TD Canadian Value Fund 7.5%TD Canadian Blue Chip Equity Fund 7.5%TD Canadian Core Plus Bond Fund 45%

    TD Comfort Balanced PortfolioTD Global Conservative Opportunities Fund 12.5%TD Global Low Volatility Fund 11.25%Epoch Global Equity 11.25%TD Canadian Value Fund 7.5%TD Dividend Growth Fund 7.5%TD Canadian Blue Chip Equity Fund 7.5%TD Canadian Core Plus Bond Fund 42.5%

  • 7 Aggressive Growth

    Description:Your tolerance for portfolio volatility and substantial loss of capital is very high. You are willing to tolerate large fluctuations in your investment returns and large losses of capital in exchange for potential long-term capital appreciation. You are solely focused on maximizing above market returns, which may include speculative trading. A portfolio with this objective will seek to provide long-term capital appreciation. Your investment time horizon is five (5) years or longer.

    Investor ProfileInvestment Objective: Risk Level: Growth: 100% High

    TD Mutual Funds Single Fund Solution

    Inconsistent Profile

    An Inconsistent Profile (IP) results when the Risk Tolerance answers you provided are inconsistent with the Portfolio Objective answers. You may wish to revisit the questions in these two sections to modify potentially conflicting answers. If a review of these questions still results in an Inconsistent Profile, then you will be assigned a Safety Profile. Please speak with your Mutual Funds Representative.

    6 Growth

    Description:Your tolerance for portfolio volatility and loss of capital is high. You are willing to tolerate fluctuations in your investment returns and moderate-to-large losses of capital in exchange for potential long-term capital appreciation. A portfolio with this objective will seek to provide long-term capital growth with some potential for earning a modest level of income. Your investment time horizon is five (5) years or longer.

    Investor ProfileInvestment Objective: Risk Level: Income: 20% High Growth: 80%

    TD Mutual Funds Single Fund Solution

    Growth 100%

    Investment Recommendations contdStep 3 contd

    Growth 80%

    Income 20% TD Dividend

    Income Fund 100%

    TD Dividend Growth Fund 100%

    TD Canadian Equity Fund 15%

    TD Dividend Growth Fund 10%

    TD Comfort Growth Portfolio

    TD Canadian Core Plus Bond Fund 20%

    TD Global Low Volatility Fund 20%

    Epoch Global Equity 20%

    TD Canadian Value Fund 15%

    TD Comfort Aggressive Growth Portfolio

    TD Dividend Growth Fund 10%

    TD Global Low Volatility Fund 25%

    Epoch Global Equity 25%

    TD Canadian Value Fund 20%

    TD Canadian Equity Fund 20%

  • 521894 (0917)

    1 Mutual Funds Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust. 2 Asset allocation targets and fund selection are as at December 31, 2017 and are subject to change. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus, which contains detailed investment information, before investing. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated. TD Mutual Funds are managed by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank. Available through TD Investment Services Inc. (principal distributor), TD Waterhouse Canada Inc. (Member of the Canadian Investor Protection Fund) and independent dealers. The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

    For more information, please speak with a Mutual Funds Representative

    at your TD Canada Trust branch, call 1-800-281-8029 or visit tdcanadatrust.com/mutualfunds

  • TD e-Series Funds utilize the power of the Internet and other cost saving technologies that allow TD InvestmentServices Inc. (TDIS) to keep expenses lower and pass the savings on to me.

    I hereby acknowledge and consent to the following terms and conditions of the TD e-Series Funds Account:

    1. I have registered for TD Canada Trust EasyWeb Internet banking ("EasyWeb"), or will register for any otherservice or delivery channel as TDIS may advise in the future , and I hereby accept the terms and conditionspertaining to the use of EasyWeb or such other service or delivery channel.

    2. I shall manage my account and correspond with TDIS exclusively via electronic means through EasyWeb andemail, except as indicated below, as the TD e-Series Funds Account is electronic only.

    3. TDIS will deliver all statements, trade confirmations, prospectuses, annual reports, semi-annual financialstatements, and other materials (the "Documents") electronically. TDIS will notify me by email whenDocuments are ready for viewing. Trade confirmations will be posted for 60 days. All other Documents willremain available for viewing until they are replaced with more recent versions. I understand that the Fund Factsdocuments and related notices will be presented to me within EasyWeb, as required, before I submit my requestto purchase, switch or set up of a pre-authorized purchase plan.

    4. TDIS will make all Documents containing account information accessible in a designated area within EasyWebor an alternative service or delivery channel.

    5. I am responsible for viewing and downloading the Documents after TDIS alerts me by email that they areavailable for viewing. I understand that I will require Adobe Acrobat Reader or other document viewingsoftware, as TDIS may advise from time to time, to read some Documents.

    6. Paper Documents are available at no cost, and I may request delivery of paper Documents by regular mail atany time. However, any such request, except in the event of an EasyWeb or alternative service or deliverychannel service interruption, may be considered by TDIS, at its sole option, to constitute a revocation of this TDe-Series Funds Understanding and Consent by me.

    7. In the event of an EasyWeb or alternative service or delivery channel service interruption, I will be able tocontact TDIS by telephone through TD Canada Trust's EasyLine telephone banking service, or the alternativeservice or delivery channel by telephone (if applicable), and such telephone contact does not constitute abreach of this TD e-Series Funds Understanding and Consent.

    8. TDIS may, at any time, at its option, satisfy any Document delivery obligations by regular mail, withoutchanging the nature of the TD e-Series Funds Account.

    9. I will advise TDIS promptly through electronic means, through EasyWeb, or by phone at 1-800-560-6374 ofany change to my email address.

    10. TDIS may amend any or all of these terms and conditions at any time upon notice to me and I agree to be boundby them.

    11. I may, at any time, revoke this TD e-Series Funds Understanding and Consent, which has the effect of revokingmy consent to electronic delivery of Documents. Upon such revocation, I will no longer be eligible to holde-Series units of TD Mutual Funds or TD Managed Assets Program Portfolios, and TDIS may, upon notice tome, switch all of my e-Series units into the corresponding Investor Series units and my TD e-Series FundsAccount will thereby be converted into a TD Mutual Funds Account or TD Managed Assets Portfolio Account,as the case may be, or TDIS may redeem my e-Series units.

    Joint-Applicant Name Signature of Joint-Applicant (if applicable) Date

    Applicant Name Signature of Applicant Date

    TD e-Series FundsUnderstanding & Consent

    TD Mutual Funds

    X

    X

    X

    X

  • TD Mutual Funds RSPDeclaration of Trust

    The Canada Trust Company, a trust company amalgamated under the laws of Canada having its head office at the City of Toronto, in theProvince of Ontario (hereinafter referred to as the "Trustee") hereby declares that it accepts the office of Trustee for the applicant, [the"annuitant" within the meaning of subsection 146(1) of the Income Tax Act (Canada)], named on the application for a TD Mutual FundsRSP (hereinafter referred to as the "Plan") upon the following terms:

    1. Registration.

    The Trustee will apply for registration of the Plan with the Minister of National Revenue pursuant to the provisions of the Income TaxAct (Canada) and amendments and regulations thereto, and any successor legislation and regulations and such provincial acts havingjurisdiction, as determined by the provinces stated in such application (the "relevant tax legislation").

    2. Common-law Partner and Common-law Partnership.

    Any reference to "spouse" contained in the Declaration of Trust or in the Application means "spouse or common-law partner" and anyreference to "marriage" contained in the Declaration of Trust or in the Application means "marriage or common-law partnership".

    3. Annuitant Account.

    The Trustee will maintain an account for the annuitant and will record the contributions of the annuitant and investments of the Plan asdescribed hereunder.

    4. (a) Contributions.

    Contributions received by the Trustee from the annuitant and the income derived therefrom shall be held in trust by the Trustee inaccordance with the provisions of the relevant tax legislation. These monies shall be invested as hereinafter provided for thepurpose of providing to the annuitant a Retirement Income as provided for in Clause 7 hereof. The initial contribution shall not beless than $100, except for certain Funds or series of Funds which may require a higher initial contribution in accordance with thesimplified prospectus governing such Funds or series of Funds. Subsequent contributions shall not be less than $100 at any onetime.

    (b) Refund of Contributions.

    The Trustee shall, upon written application by the taxpayer, refund to that taxpayer either (a) an amount to reduce the amount oftax otherwise payable under Part X.1 of the Income Tax Act (Canada) and comparable provincial law or (b) a payment referred tounder Clause 146(2)(a)(ii) of the Income Tax Act (Canada) and comparable provincial law.

    (c) Payments Before Maturity.

    No payment of any benefit under the Plan may be made prior to maturity except for a refund of contributions in accordance withClause 4(b) hereof or a payment to the annuitant.

    5. Income Tax Receipts.

    On or before the 31st day of March of each year, the Trustee shall forward to the annuitant receipts to be filed with the annuitant'spersonal income tax return with respect to contributions made under the Plan:

    (i) during the preceding calendar year but not in the first sixty days thereof; and(ii) during the first sixty days of such year.

    It is the sole responsibility of the annuitant to ensure that the deductions claimed for income tax purposes do not exceed the permitteddeductions under the relevant tax legislation.

    6. Annuitant's Birth Date.

    The statement of the annuitant's age on the application for the Plan shall be deemed to be a certification by the annuitant of such ageand an undertaking by the annuitant to provide any further evidence or proof of age that may be required when an annuity is purchased.

    7. Retirement Income.

    (a) The Plan will mature on a date (the "Maturity Date") chosen by the annuitant for the provision of a Retirement Income. TheMaturity Date shall not be later than December 31 of the calendar year in which the annuitant attains seventy-one years of age orsuch other age as prescribed by the relevant tax legislation.

    (b) On the Maturity Date the assets held by the Trustee for the annuitant's Plan shall be used, on the written instructions of theannuitant, for the provision of a Retirement Income.

    (c) A Retirement Income means any one or a combination of the following:

    (i) an annuity commencing at the Maturity Date, with or without a guaranteed term commencing at the Maturity Date, notexceeding the term referred to in item (ii) below, payable to

    (A) the annuitant for his or her life, or

    (B) the annuitant for the lives, jointly, of the annuitant and the annuitant's spouse and the survivor of them for his or herlife;

    Page 1 of 4 Customer Copy 800770 (0517)

  • (ii) an annuity commencing at the Maturity Date, payable to the annuitant, or to the annuitant for life and to the annuitant'sspouse after death of the annuitant, for a term of years equal to 90 minus either

    (A) the age in whole years of the annuitant at the Maturity Date, or

    (B) where the annuitant's spouse is younger than the annuitant and the annuitant so elects, the age in whole years of thespouse at the Maturity Date; or,

    (iii) a Registered Retirement Income Fund established in accordance with the provisions of the Income Tax Act (Canada) andregulations thereunder and any successor legislation or regulations.

    An annuity shall be payable in equal annual or more frequent periodic payments until such time as there is a payment in full or partialcommutation of the annuity and, where that commutation is partial, equal annual or more frequent periodic payments thereafter. Anannuity shall not be capable either in whole or in part of assignment. An annuity that would otherwise become payable to a personother than the annuitant's spouse on or after the death of the annuitant shall be commuted. The Plan shall not provide for periodicpayments in a year under an annuity after the death of the first annuitant, the aggregate of which exceeds the aggregate of the paymentsunder the annuity in a year before that death. If an annuitant fails to instruct the Trustee as to the purchase of a Retirement Income bySeptember 1 of the calendar year in which the annuitant attains seventy-one years of age or such other age as prescribed by the relevanttax legislation, the Trustee may at any time thereafter, and shall by December 31 of such year, liquidate the investments held in thePlan and, at its sole discretion, may purchase for the annuitant a Retirement Income subject to the requirements of the Plan.

    8. (a) Death of Annuitant.

    In the event of the death of the annuitant prior to the purchase of a Retirement Income pursuant to the foregoing provisions, theTrustee shall, upon receipt of satisfactory evidence of the death, and such other documents as may reasonably be required, realizethe investments held for the annuitant and pay the proceeds of the Plan in a lump sum (less all applicable charges including anytaxes) to the person or persons entitled hereto pursuant to paragraph 8(b) hereof.

    (b) Designation of Beneficiary.

    If permitted by applicable law, the annuitant may designate one or more beneficiaries, in accordance with this paragraph, toreceive the proceeds payable under paragraph 8(a) hereof. If no beneficiary has been so designated or if all such beneficiariespredecease the annuitant, the proceeds will be paid to the legal personal representative of the annuitant. A beneficiary designationcan only be made, changed or revoked by a written instrument in form reasonably acceptable to the Trustee which adequatelyidentifies the Plan and has been signed by the annuitant; provided always that the instrument or evidence thereof acceptable to theTrustee shall be lodged with the Trustee at its head office in Toronto prior to any payment under paragraph 8(a). If more than onesuch instrument has been so lodged, the Trustee shall make payment only in accordance with the instrument in its possessionbearing the latest execution date. An instrument shall not be effective for the purposes of this paragraph when a valid will orcodicil that specifically designates a beneficiary postdates the latest instrument filed with the Trustee.

    9. Liability and Assignment.

    This Plan may not incur a liability. This Plan or the Retirement Income payable thereunder shall not be capable of any form ofassignment in whole or in part.

    10. Investment.

    The Plan will invest in units of the TD Mutual Funds or any other mutual fund managed and distributed by TD Asset Management Inc.("TDAM") or its affiliates (the "Funds" and the "Agent," respectively), as directed from time to time by the annuitant. For the purposeof this Declaration of Trust, "Funds" means mutual funds that are qualified investments for registered retirement savings plans. It is thesole responsibility of the annuitant to determine whether an investment in units of a particular Fund complies with the provisions of therelevant tax legislation.

    11. Annuitant's Interest.

    Each contribution received by the Trustee from the annuitant will be used to purchase as many whole and partial units of the Funds asdirected by the annuitant, at the unit value established at the next valuation date following receipt of the contribution at the head officeof the Agent. If no direction is received by the Trustee as to the investment of contributions or of any free balance from time to timeremaining in the Plan, the Trustee will, by the next business day after receipt, invest all such amounts held in the Plan from time to timein units of the TD Canadian Money Market Fund until a direction in respect thereof is received from the annuitant.

    12. Investment Income.

    Net income and net realized capital gains of the Funds shall be credited to the annuitant's Plan and reinvested in whole and partial unitsof the Funds from which they derive or as otherwise directed by the annuitant.

    13. Trustee Fees.

    The Trustee levies no fee in connection with the annuitant's account; however, the Trustee reserves the right to impose, and thenchange, a fee at any time subject to 30 days notice in writing to the annuitant and upon notice to the Minister of National Revenue and,if applicable, provincial tax authorities.

    Page 2 of 4 Customer Copy 800770 (0517)

  • 14. Annuitant's Statement.

    Within five business days after each purchase or redemption of units of the Funds, the annuitant will be sent a confirmation of thetransaction.

    15. Delegation.

    The Trustee may delegate some of the administrative duties to the Agent or to TD Bank, including, without limitation, the followingduties and responsibilities of the Trustee under the Plan:

    (i) receiving the annuitant's contributions under the Plan,

    (ii) investing and reinvesting contributions in whole and partial units of the Funds,

    (iii) maintaining the annuitant's account, and

    (iv) providing statements to the annuitant of the annuitant's account, and such other duties and responsibilities of the Trustee under thePlan as the Trustee may determine from time to time. Notwithstanding the duties delegated to the Agent, the ultimateresponsibility for the administration of the Plan remains with the Trustee.

    16. Amendments to the Plan.

    The Trustee may from time to time amend this Declaration of Trust with the concurrence of the Minister of National Revenue, ifrequired, and the concurrence of provincial tax authorities, if applicable:

    (a) without notice to you or without your consent, provided that the amendment is made for the purpose of satisfying a requirementimposed by the relevant tax legislation or at its effective date the amendment will not in the Trustee's sole opinion adverselyaffect your rights under the Plan; and

    (b) in all other cases, by giving 30 days notice in writing to you, provided that in all cases no such amendment will have the effect ofdisqualifying the Plan as a registered retirement savings plan within the meaning of the relevant tax legislation.

    17. Resignation of Trustee.

    (a) Subject to paragraph (c) the Trustee or any successor trustee of this Plan may resign as trustee by appointing a replacement trusteeas provided in paragraph (b) and by giving 90 days prior notice in writing to the annuitant advising the annuitant of its resignationand the name and address of the replacement trustee to be appointed pursuant to paragraph (b). The Trustee has also agreed toresign at the request of the Agent subject to the appointment of a successor trustee as provided in paragraphs (b) and (c).

    (b) A resigning trustee may, by writing: appoint another person to be trustee in its place, provided that such person is a corporationlicensed or otherwise authorized under the laws of Canada or a province thereof to carry on in Canada the business of offering tothe public its services as trustee and is acceptable to the Agent.

    (c) The Trustee or any successor trustee shall not resign as trustee of the Plan

    (i) unless a replacement trustee described in paragraph (b) is appointed and accepts the appointment to replace the trusteedesiring to resign, or

    (ii) if the replacement trustee described in paragraph (b) will result in the Plan ceasing to be a registered retirement savings planunder the Income Tax Act (Canada).

    (d) A retiring trustee shall transfer to the replacement trustee all property of the trust and all records related to its duties as trustee andshall do all acts and execute all deeds necessary for the proper vesting of the trust property in the replacement trustee.

    (e) Notwithstanding anything hereinbefore contained, a trustee shall continue as trustee of the Plan until such time as a replacementtrustee shall become vested with all the rights and obligations of the retiring trustee hereunder

    18. Mailed Notices.

    Any notice given to the Trustee or the Agent hereunder shall be sufficiently given if mailed, postage prepaid, addressed to the Trusteeor the Agent at the office stated on the application for the Plan and shall be deemed to have been given on the day that such notice isreceived by the Trustee or the Agent. Any notice, statement or receipt by the Trustee or the Agent to the annuitant shall be sufficientlygiven if mailed postage prepaid, addressed to such annuitant at the address of the annuitant stated on the application for the Plan, unlessthe annuitant has notified the Trustee or the Agent of the new address, in which case notice shall be addressed to the annuitant at thelast address for such purpose so notified and shall be deemed to have been given on the day of mailing.

    19. Trustee's Liability.

    The Trustee shall be entitled to and shall be fully protected in acting upon any instrument, certificate, notice or other writing believedby the Trustee or the Agent (as defined herein) to be genuine and to be signed or presented by the proper person. The Trustee shall beunder no duty to make any investigation or inquiry as to any statement contained in any such writing but shall be entitled to accept thesame as conclusive evidence of the truth and accuracy of the statement therein contained. When this Plan is terminated and theproceeds thereon are withdrawn, the Trustee and the Agent shall be released and discharged from any further responsibility orobligation in connection herewith. Except as otherwise provided herein, the Trustee shall not be liable for any loss incurred by the Plan,by the annuitant or by any beneficiary under the Plan unless due to the negligence, willful misconduct or lack of good faith of theTrustee.

    Page 3 of 4 Customer Copy 800770 (0517)

  • 20. Indemnity.

    The annuitant and the annuitant's successors, executors and administrators shall at all times indemnify and save harmless the Trustee inrespect of any taxes, assessments or other charges levied or imposed by any governmental authority upon or in respect of the Plan(other than those taxes, assessments or other charges for which the Trustee is liable).

    21. Interpretation.

    This agreement shall be construed, administered and enforced according to the laws of the Province of Ontario. Any reference to"spouse" contained in the Declaration of Trust or in the application means "spouse or common- law partner" and any reference to"marriage" contained in the Declaration of Trust or in the application means "marriage or common-law partnership".

    Notice to Manitoba Customers

    Caution: Your designation of a beneficiary by means of a designation form will not be revoked or changed automatically by any futuremarriage or divorce. Should you wish to change your beneficiary in the event of a future marriage or divorce, you will have to do so bymeans of a new designation.

    Page 4 of 4 Customer Copy 800770 (0517)

  • Page 1 of 2 800868 (0617)

    TD Canada Trust Tax Residency Self-Certification Individual

    (Includes Sole Proprietor)

    Part 1: Account Holder Information

    Account Holder Name: Date of Birth

    (YYYY/MM/DD):

    Social Insurance Number (or reason for not providing)

    Owner Name (for Sole Proprietor):

    Permanent Residence Address

    Suite number street number and name:

    City or Town: Province or State: Postal Code/ZIP Code: Country:

    Mailing address (only if different from permanent residence address)

    Suite number street number and name:

    City or Town: Province or State: Postal Code/ZIP Code: Country:

    Part 2: Country(ies) of Residence Declared for Tax Purposes

    Please complete sections A, B, C, and D confirming your country(ies) of residence for tax purposes.

    A. Are you a resident of Canada for tax purposes?

    Yes No

    B. Are you a resident of another country for tax purposes?

    Yes No

    C. If you answered "Yes" to B above, you are required to declare all countries in which you are considered a resident for tax

    purposes. For each country declared, please provide your Taxpayer Identification Number (TIN), if applicable.

    Country: Taxpayer Identification Number (TIN):

  • Page 2 of 2 (0617)

    *If additional space is required, please copy this page, sign and include with your package.

    D. Are you a U.S. citizen?

    Yes No

    If yes, provide your TIN; including SSN: _________________________or EIN (for Sole Proprietors): __________________

    Part 3: Declarations and Signature

    I certify that the information given on this form is correct and complete. I will give TD Canada Trust a new form within 30 days of

    any change in circumstances that causes the information on this form to become incomplete or inaccurate.

    ___________________________________ _______________________________________

    Print Full Name Signature

    _______________________________________________________________________________

    Capacity Please indicate the capacity in which you are signing the form (e.g. 'Authorized Officer').

    ____________________

    Date (YYYY/MM/DD)

    Personal information is collected under the Income Tax Act to administer tax, benefits, and related programs. It may also be used for any purpose

    related to the administration or enforcement of the Act such as audit, compliance and the payment of debts owed to the Crown. It may be shared

    or verified with other federal, provincial/territorial government institutions, and foreign governments to the extent authorized by law. Failure to

    provide this information may result in interest payable, penalties or other actions. Under the Privacy Act, individuals have the right to access their

    personal information and request correction if there are errors or omissions. Refer to Info Source at www.cra.gc.ca/gncy/tp/nfsrc/nfsrc-eng.html, Personal Information Bank CRA PPU 005.

    Part 4: FATCA & CRS Definitions

    Tax Resident

    Generally, an individual will be a tax resident of a jurisdiction if, under the laws of that jurisdiction, they pay or should be paying tax there

    because of their domicile, residence, or a similar criterion.

    Taxpayer Identification Number (TIN)

    A taxpayer identification number, often referred to by its abbreviation TIN, is a unique identifier made of letters or numbers that the

    jurisdiction assigns to an individual (this includes SIN). The jurisdiction uses the TIN in administering its tax laws to identify the individual.

    U.S. Person

    An individual is considered a U.S. person if they are a citizen or resident of the U.S. (including a greencard holder). If they spend considerable

    time in the U.S. in one year or over a period of years, they may also be considered a U.S. person.

    The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

  • TD Canada Trust Third Party Statement

    592018 (0411)

    Sender Details: ACF2 ID Branch # Date

    Account Holder Information: Branch # Account # or Credit Facility # Last Name or Name of Business First Name

    Examples of when a Third Party Form is required: A customer opens a single LOC in which the monies used and repayment schedule are decided by another individual who may not have

    qualified. The purpose of the account is to collect funds and transfer it to a friend or family member overseas (i.e. collecting rent from tenants). Informal Trust Accounts without a 'family' relationship. In Trust Donation Accounts. All trustees of a Formal Trust or Testamentary Trust account. Estate Accounts where the beneficiary is not an executor or signing officer for the estate. Examples of when a Third Party Form is not required: Youth Accounts. Power of Attorney. Spousal RRSP Accounts. An account opened by a lawyer, an accountant, or a real estate broker/sales representative; and TDBFG has reasonable grounds to believe

    that the account will be used only for clients of the lawyer, accountant, or real estate broker/sales representative. Individuals making deposits as directed by account holder. Borrowing money to pay for a child's wedding. A third party form must be completed when a customer responds "yes" to the third party question. For account types with an online indicator, ensure the third party indicator is entered correctly, based on the examples above, before proceeding.

    Third Party's Name: Last Name or Name of Business First Name Middle Initial

    Third Party's Address: Street Number Street Name Apartment Number

    City Province (Canada) or Country

    Third Party's Occupation or Nature of Business

    Relationship to Account Holder

    Third Party's Date of Birth (yyyy/mm/dd)

    Business Incorporation Number (BIN, if applicable)

    BIN Place of Issuance (if applicable)

    Third Party's Name: Last Name or Name of Business First Name Middle Initial

    Third Party's Address: Street Number Street Name Apartment Number

    City Province (Canada) or Country

    Third Party's Occupation or Nature of Business

    Relationship to Account Holder

    Third Party's Date of Birth (yyyy/mm/dd)

    Business Incorporation Number (BIN, if applicable)

    BIN Place of Issuance (if applicable)

    Note: If more than 2 third parties, complete another form and attach together. Typed form submissions are preferred for legibility ease. Submit completed form to the SSA or designated officer for review then forward to the Creekside BSC, Cost Centre #5172. For additional information and the definition on a Third Party, please refer to Administration Manual, section 0319 > Account

    Opening Requirements.

    Page 1 of 1

    step1: step2: step3: step4: Clear: BMRC1: 23781: tdmf: 2: tdct1: tdct2: 6: 11: 12: 14a: 14b: 14c: 15: 17: 26 year: 26 month: 26 day: 34: 35: 36: 37: 38: 39: 40: 42: 50: 51: 52: 53: 54: 55: 57: 59: 64: 65: 66: 67: 68: 78 year: 78 month: 78 day: 92: 95: 96: asset: asset-a: asset-b: asset-c: asset-d: age: 127: 132: 133: 134: 135: 136: 145 year: 145 month: 145 day: 153: 154: 155: 156: 168: 193: 207: 210: 212: 213: MAYA: MAYB: MAYC: 347: 348: 349: 350: sp-1: sp-2: 43: 69: Add1: Add1-1: Add1-2: Add1-3: J-Add: J-Add-1: J-Add-2: J-Add-3: 122: 123: 124: 125: 94: J-Add-5: Add1-4: #dep: 41: 38-1: Text1: Text2: Check Box1: Check Box2: Check Box3: Check Box4: Check Box5: Check Box6: Check Box7: Text3: Text4: Text5: Text6: Text7: Text8: Text9: Text10: Text11: Text12: Text13: Text14: Text15: Text16: Text17: Text18: Text19: Text20: Text21: Text22: Text23: Text24: Text25: Text26: Check Box10: Text27: Text28: Text29: Text30: Check Box11: Text31: Text32: Text33: Text34: Check Box12: Text35: Text36: Text37: Text38: Check Box13: Text39: Text40: Text41: Text42: Check Box14: Text43: Text44: Text45: Text46: Check Box15: Text47: Text48: Text49: Text50: CLEAR BUTTON: Sender ID: Sender Branch #: Date: Account Holder Branch #: Account # or Credit Facility #: Last Name or Name of Business: First Name: Last Name1: First Name1: Middle Initial1: Street Number1: Street Name1: Apartment1: City1: Province1: Occupation1: Relationship1: DOB1: BIN1: Place of Issuance1: Last Name2: First Name2: Middle Initial2: Street Number2: Street Name2: Apartment2: City2: Province2: Occupation2: Relationship2: DOB2: BIN2: Place of Issuance2: acct purpose: dollar accts: 0: 0: 1: 2:

    1: 0: 1: 2:

    employer: 0: 1: 2:

    126: emp addr: inv type: step6: step7: Account Holder Name: Date of Birth YYYYMMDD: Social Insurance Number or reason for not providing: Owner Name for Sole Proprietor: Suite number street number and name: City or Town: Province or State: Postal CodeZIP Code: Country: Suite number street number and name_2: City or Town_2: Province or State_2: Postal CodeZIP Code_2: Country_2: A Are you a resident of Canada for tax purposes: B Are you a resident of another country for tax purposes: CountryRow1: Taxpayer Identification Number TINRow1: CountryRow2: Taxpayer Identification Number TINRow2: CountryRow3: Taxpayer Identification Number TINRow3: CountryRow4: Taxpayer Identification Number TINRow4: CountryRow5: Taxpayer Identification Number TINRow5: D Are you a US citizen: or EIN for Sole Proprietors: undefined: Print Full Name: Capacity Please indicate the capacity in which you are signing the form eg Authorized Officer: Date YYYYMMDD: CountryRow6: Taxpayer Identification Number TINRow6:

of 19/19
Account Application and Customer Investor Profile Both documents must be completed in order to open a TD e-Series Funds Account. It will help you determine your Investor Profile and the optimal asset mix for your portfolio. When completing the Customer Investor Profile questionnaire, please ensure that, for questions 6 to 11, you circle the letter corresponding to your answer in addition to recording your score. if any changes have been made to the application please ensure that your initials are placed beside the change. Understanding and Consent Form A signed Understanding and Consent Form is mandatory and provides your acknowledgement of the terms and conditions for the TD e-Series Funds Account. Please provide your TD Canada Trust account number or TD Mutual Funds Account number in the space provided. Third Party Statement (if applicable) The Third Party Statement must only be completed if you answered "YES" to the question found in section 1 of the account application "Will someone other than the account holder(s) be making frequent deposits to or receive financial benefit from the account?" (Other than the account holder or Beneficiary named on the account application). TD Canada Trust Tax Residency Self-Certification - Individual form This form must be completed to collect residency details for tax purposes when opening a non-registered mutual fund account. Each account holder (including joint account holders, as applicable) need to complete their own self-certification form confirming tax residency. Information provided on this form will be used to comply with Canadian tax regulatory requirements. In order to avoid delay please complete correctly, sign and initial all applicable areas. Forward your completed documents to: TD e-Series Funds Administration Liberty Centre 3500 Steeles Avenue East Tower 1, Level 1 Markham, Ontario L3R 0X1 All applications are subject to approval by TD Investment Services Inc. If you need assistance at any point in the application process simply visit www.tdcanadatrust.com/tdeseriesfunds and click on the "Contact Us" link on the right navigation bar. Once we have received your completed and signed application, your account can generally be opened within two business days. As soon as your application has been processed, you will receive detailed confirmation via email. This will include information on how to access your new account. This application can be used by existing TD Canada Trust customers to open Retirement Savings Plans or Personal Non-Registered accounts and must be used for opening new TD e-series Mutual Fund Accounts only. For converting an existing TD Mutual Funds Account to a TD e-series Funds account, please use the Conversion form. Any changes made to the application must be initialed at the point of change. For all other Mutual Fund account type needs including Tax-Free Savings Accounts, please visit your local TD Canada Trust branch. TD Investment Services Inc. TD e-Series Funds Checklist for Opening a TD e-Series Funds Account 572074 (0817) Steps to complete this package: TD Mutual Funds
Embed Size (px)
Recommended